# Beyond the Selfie — Identity That Performs at Smartphone Speed

## Global Fintech Needs Global-Ready Identity Verification

From Jakarta to Berlin, fintechs grow when trust scales across devices, bandwidth, and borders. Incode’s AI-native, device-agnostic identity stack delivers frictionless onboarding and fraud protection—whether on a flagship iPhone or a budget Android.

## **The Problem: Most Identity Flows Can’t Keep Up With Your Users—or Their Devices**

Fintechs face a hidden conversion killer: fragmented devices, poor connectivity, and outdated verification stacks. Nearly 50% of ID sessions come from phones with less than 2GB RAM, yet drop-off risk increases 25% when a device is more than four OS versions old. Traditional selfie checks and manual KYB just don’t scale.

## **The Solution: Why Incode Is Different**

**AI-Native Identity That Works on Every Device, in Every Market**

Incode was built from the ground up to deliver seamless, secure identity flows for fintechs that operate at scale. Whether it’s BNPL checkout, digital banking, or merchant onboarding, our proprietary stack adapts to real-world edge cases—in milliseconds.

#### > Real-time fraud detection
#### > Zero third-party dependency
#### > Instant document + liveness decisions
#### > Prebuilt local compliance connectors

## How Leading Fintechs Are Growing Without Compromising Trust

Frictionless Across Devices and Bandwidth Conditions

Ana in São Paulo and Lars in Stockholm both complete liveness in <4 seconds—with different phones, OS versions, and networks. Real-world QA ensures edge performance, every time.

Compliance-First, Market-Ready

From INE validation in Mexico to CKYC in India and eIDAS in the EU, Incode’s plug-and-play connectors ensure fast onboarding and local trust.

## Measured Results That Scale Across Fintech Verticals

From user drop-off to verified fraud, scaling platforms are facing new challenges. Below are 5 critical areas where Incode drives measurable impact:

1. **2.9% fraud rate → reduced to <0.1% with Incode’s AI-native stack**
2. **Manual reviews cut from 28% to 3%**  
3. **False rejects down 40–50pp across all demographics**  
4. **Median onboarding time: 55 seconds, down from 2:40**

## Results that matter

99.65% **detection rate for AI-generated ID fraud attempts**

100% **proprietary ML models adapt to new fraud in real time**

11x **faster onboarding and 30% higher completion rates**

25% **higher OCR accuracy vs. open-source models**

## **Stop Losing Customers to Camera Errors and Compliance Gaps**

Whether your users are on low-bandwidth 3G or blazing-fast 5G, Incode delivers seamless onboarding, AI-native fraud protection, and real-world adaptability. Don’t patch your stack—replace it with infrastructure built for fintech growth.